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Complaint Details
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Initial Complaint
05/17/2022
- Complaint Type:
- Order Issues
- Status:
- Answered
On 4/1/2022 I uploaded my last 6 chemo treatments for payment. I was told they would be processed in 7 to 10 business days. I've been calling the last 5 weeks for status and the claim just says pending so I asked for the adjuster to call me if they had any questions. To date no adjuster nor supervisor has called and as of today no payment has been scheduled. I have to pay the premium each month or I will not get paid. All other claims uploaded prior to 4/1/2022 have been paid. So there really is no reason this one had not been processed for payment.
Business response
05/19/2022
Our company's response is attached.Initial Complaint
05/11/2022
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
My father passed away on March 29 2022. He has a life insurance policy with Combined Insurance and they are refusing to pay the death benefits. They keep saying they are having an adjuster review it. I have called five times I know they have all the documents because I faxed them and one of the calls they confirmed they received them. I owe people for my fathers funeral and cannot pay them without this. Its just a horrible way to have to deal with my fathers passing. Thank youBusiness response
05/18/2022
May 18, 2022
Better Business Bureau of ******* & Northern ******** Inc.
330 ******************* Suite 3120
******* ******** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence regarding your ID Number referenced above.
As the release of policy information is strictly prohibited and it is our goal to protect all confidential information,specifically regarding claims, we are unable to provide any feedback to your office. Rest assured that our ***************** has handled this matter and corresponded with **********************.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
Consumer Service Investigations
/Case #*******Initial Complaint
05/10/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
My father-in-law had automatic withdrawals coming from his bank account for years from Combined Insurance, we assumed they were related to his supplemental health insurance because that was his provider. At some point when we had to take over his finances due to dementia we contacted Combined Insurance to verify the charges and they assured us that these various charges were because he had multiple supplemental insurance policies. After his passing we contacted Combined insurance to cancel his supplemental insurance but continued to see withdrawals that included the name 'Combined' in the transaction description. After research it was found the charges are related to 'combined connections' offered through the company for Auto, home, and dental discount subscriptions. Combined Insurance or *********************** LLC contacted my father-in-law and roped him into this $1 per month trial (per subscription). After the trial period they starting automatically withdrawing approximately $34 per month in total for these discount plans that I guarantee he didn't understand and never used. It disgusts me to think that there are other elderly people in this same predicament. Honestly I am not sure if this should be on Combined Insurance or *********************** LLC. In my opinion they are both responsible for taking advantage of an elderly person. If combined insurance is going to promote these combined connections (offered on their website and taken as automatic withdrawals as combined) then they should be able to cancel these plans upon death. Or they should be responsible for notification that these "discount" plans exist. I contacted the business and their response was unfortunate yet expected where they separated themselves from the marking group. Purpose of this complaint is an effort to protect the elderly. I feel he was taken advantage of in so many ways and I am sure there are others in this situation. Thank you, **** NationsBusiness response
05/20/2022
May 20, 2022
Better Business Bureau of ******* & Northern ******** Inc.
330 ******************* Suite 3120
******* ******** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence regarding your ID Number referenced above.
As the release of policy information is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide any feedback to your office. However, rest assured that we are mailing a letter to Ms. ******* regarding her inquiry to your office under separate cover.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
Consumer Service Investigations
/Case #*******Initial Complaint
05/09/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have had combined Accident insurance since 2018 . There are wellness claims I was told I could claim and I had never done so, this consist of dr visits getting blood work done, mammograms and ultrasounds as well as colonoscopy etc. I was told I can go back 3 years and file claims for each year because I reside in **********. I then filled out the forms for myself and my covered children dating back to 2020, its a total of 4 of us in the home.. my two younger were approved for only 2 for the past 2 years and was denied the 3rd when I marked the same blood test they had approved the year prior. With no explanation and no contact from anyone from the company. I submitted all 3 of my claims and all 3 were denied as well as my oldest child all were denied accept 1. I cant understand if you were approved for blood work for 1 year and you **** blood work for the claim the next year and its denied? Makes no sense. This company makes you jump through hoops to be paid out benefits you paid into for years is really frustrating. This is a rip off!Business response
05/17/2022
Our company's response to your office is attached.Customer response
05/18/2022
Complaint: 17181008
I am rejecting this response because: I have been contacting Combined insurance daily and no CSR can explain why my three wellness claims for 2021 were denied for myself and two children?! They told me to read denial letter but denial states not all things are covered under the wellness plan , but for the years 2020 I claimed the same thing as blood test etc being done and was approved for myself and children. Why is 2021 not being paid out? I get the run around and being told it will be escalated to an adjuster and then never hear anything back , I call back again and now its being sent to the adjusters manager . This company has been a hassle to get paid out any funds owed to me and I had them since 2018, I decided to end my policy with this company as the service is terrible and they dont like to pay you out when incidents occur, they also disallow every little thing to only end up paying you kibbles and bits. I want my wellness policies to be paid out for me and my two children for 2021 so I can be done with this company for good!
Sincerely,
*******************************Business response
05/26/2022
Our company's response is attached.Initial Complaint
05/06/2022
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I called combined in 2017 and asked them to close all policys I had with them after I was denied a claim in 2016. They continued drafting my bank account $30 per month. I spoke with several people over the years and was told I didnt have a policy with them. After spending hours on the phone just yesterday they found an account that was still active with my bank account but had a birth year of **** on the account and I was born in ****. After their review they told me there was no record of my phone call from my cell phone number so they offered to refund 0 of the money that they have been drafting from my bank account. They had no permission from 2017 on to take any money from my account as I had asked to close all my policys with themBusiness response
05/16/2022
May 16, 2022
Better Business Bureau of ******* & Northern ******** Inc.
330 ******************* Suite 3120
******* ******** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence regarding your ID Number referenced above.
As the release of policy information is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide any feedback to your office. However, rest assured that we are mailing a letter to ****************** regarding his inquiry to your office under separate cover.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
Consumer Service Investigations
/Case #*******Customer response
05/18/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*************************Initial Complaint
05/05/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I've been customer of ********************************************* for 20 years. Never had a problem until December and still. I finally was pd for December claim in February and had 3 other accident claims from chiropractor. They okayed 2 and e-check 2, but only one from January went through to bank. I've called way more times in 3 months than all 20 years. They know the one check Never went through and I've been lied to, hung up on and 20 different answers and still no check for Jan 11. I have Dr **** office call receipt with procedure and ****. I fill in claim # and accident info, they fax at Dr with his heading and address. I e-file claim online. For years they accepted just Dr slip. Now April claim they refuse to pay without full medical records of total medical history. Only claims I've had for years is chiropractor since 2011 I was paralyzed from crushed neck/domestic. Nerve damage and autoimmune, cancer and I walk. So far cancer free after 2 different cancers in 3 years and 3 bouts. I don't understand why after years of same Dr and back, hip replacement, I dislocate trying to do normal stuff. I believe since premium will never go up, they wish I'd cancel. I won't, but I'm bummed I've recommended several people to them and they don't have problem taking my premium out of checking every month. They actually pd few cents interest on last 2, so they know the one did not go through. 1 said they have to mail check , one said they could e-check but 4 months and still waiting after taking 2 months to process. Limited income from disability and very frustrating. I warned them this was next step a month ago. I need a phone number I can talk to someone other than representative. They refuse to let me talk to supervisor. Please help and thank you!! I've been very patient and out of probably 20 representatives, about 4 actually tried to help. I'm beginning to think someone pocketed the money. Why would 2 checks direct deposited at same time, 1 showed up?Business response
05/16/2022
We are providing our response for case # ********.Customer response
05/16/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*********************************Initial Complaint
04/29/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
I currently have $53.67 taken out of my checking for a medical coverage policy on my husband ******. When checking my checking account statement with the bank I saw double withdrawls for $53.67 taken out. I called the customer support number on April 1, 2022 and spoke to ********. I explained the problem and that I wanted the months they double billed me to have one of those charges returned to my checking account. She said to fax them the proof. I faxed the information on 04-04-22. I called 1.5 weeks later and spoke to someone and they said that it would take **** days to get a refund. As of this date I have not received a refund nor have I received any online or phone communication. I can send you the copies of the months I have been double billed if you need it. I have spoke to different individuals at the Combined customer support line, they have told me they would look into it but as of this date they have not and have not communicated to me regarding this manner. The fax I sent them has gone through to the number they gave me. I hope you can remedy this problem and get my refund back to me.Business response
05/09/2022
We are providing a response to BBB Case No. ********.Initial Complaint
04/29/2022
- Complaint Type:
- Order Issues
- Status:
- Answered
I have had accident insurance with combined insurance since 2018. Paying 26$ a month for the insurance. My son was at a gathering and the gathering was shot up and he ended up getting struck by a bullet an (accident) and was transported by ambulance and checked into ER. It happened March 6, 2022 and I filed claim on this on March 7,2022. I submitted on my own the hospital discharge paper , the hospital **** form my insurance and ambulance ****. It says I should have funds within ***** days of filing but that was a lie l, it is going on a month no adjuster has contacted or returned my calls . I call and the ***s cant get ahold of managers or adjusters etc giving me false information regarding the claim. I was told I should receive a payment in 5 business days and that they were only going to pay out for ambulance **** and ER visit , which isnt right when my son was shot by accident ! One of the *** told me gun wounds arent covered. Its a an accidental injury. Giving the run around by phone , as of recent going on 2 months still no payment paid to me on the claim and just now being asked to fill out a medical release form and a police report . Well I cant get a police report as the case is still ongoing looking for the suspect so the case can remain incomplete for years to come. I asked if they had a form I could give the detective to fill out but he said he could not write anything freehand for The adjuster . Why does it take 2 months to ask for documents and why havent I spoken to an adjuster at all ? Im asking what else I could provide in lure of the incomplete police report ? This company Lags and just takes your money monthly. I see all the reviews here where it seems common of this company to conduct business this way and they should be put out of business. Its frustrating caring for a loved one taking time off work and cant get paid for an insurance I got being proactive to Situations. I cancelled my insurance with this company. Poor service.Business response
05/03/2022
Our company's response to your office is attached. A response from our **************** is being mailed to the complainant.Initial Complaint
04/27/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I suffered a accident at my home on February 20th, I suffered a severe drop in heart rate and blood pressure which caused me to pass out and I hit my head. I was transported to the Emergency Room and was seen in the *** I was suffering from severe dehydration and was treated and released. I submitted the ** paperwork from the hospital the next day to Combined Insurance I submitted the Physicians Statement from my primary care doctor that they requested because the attending physicians at the hospital do not fill out these forms. I submitted the online claim form as well as the paper claim form. I have called at least two dozen times for an update and Im constantly being told its under review and it has been escalated and it will be done in **** business days. Its now MONTHS later and still nothing has been resolved. There is not any other paperwork I can possibly submit to them. They keep saying they have everything and apologize for the delays. Its ridiculous that it takes this long to process my claim.Business response
05/04/2022
May 4, 2022
Better Business Bureau of ******* & Northern ******** Inc.
330 ******************* Suite 3120
******* ******** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence regarding your ID Number referenced above.
Please be advised that our ***************** has contacted ************ with a phone call on April 28, 2022, and followed with a letter dated May 3, 2022, regarding the handling of her claim and in response to her inquiry to your office. As the release of policy information, specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide your office with additional information.Rest assured that this matter has been addressed.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
Consumer Service Investigations
/Case #*******Initial Complaint
04/23/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
My claim number was ******** I was in the hospital on December 23 to December 24 returning on December 31 and stayed till January 4. My complain with this company I had several, several telephone calls trying to see why my claim wouldn't get approved. On April 13 I received a check for $500. dollars. My complaint is that on August of 2018 I filed a claim and I received $ ******* for a claim now they say they only approve $50. a day. I was never notified of this change. I have documentation from my doctor which I downloaded to you. My dr had me out till February 22, 2022.Business response
04/29/2022
April 29,2022
Better Business Bureau of ******* & Northern ******** Inc.
330 ******************* Suite 3120
******* ******** 60611
RE: YOUR ID#:********
Dear BBB Customer Relations Representative:
Thank you for your correspondence regarding your ID Number referenced above.
Please be advised that our ***************** has contacted ****************** with a letter dated April 27, 2022 in response to his inquiry to your office and addressing our handling of his claims. As the release of policy information, specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide your office with additional information. Rest assured that this matter has been addressed.
Thank you for contacting us.
Sincerely,
Combined Life Insurance Company of **************************** Investigations
/Case #*******
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318 total complaints in the last 3 years.
144 complaints closed in the last 12 months.